Our policies are designed to cover the essentials that matter most: your personal property, your liability protection, and your living expenses when life throws the unexpected your way.
Think about the things you use every day. If anything gets damaged, renters insurance personal property coverage helps ensure you don’t have to replace them on your own.
What ResidentShield covers:
Type of event/item
Coverage with ResidentShield
Fire
Yes
Wind
Yes, with $1,000 deductible
Lightning
Yes
Water damage
Yes (sewer – up to $5,000 resident personal property)
Flood
No
Earthquake
Only in California (not all insurers cover it)
Theft
Yes, with a $500 deductible (not when your car is stolen)
Bed bugs
Yes (not all insurers cover it)
Pet damage
Yes (up to $500 per occurrence)
Money, coins
Yes (up to $200)
Securities, manuscripts, or stamps
Yes (up to $1,500)
Silverware, goldware, and platinum-plated ware
Yes (up to $2,500)
Fine arts, antiques, and memorabilia
Yes (actual cash value)
Watercrafts, trailers
Yes (up to $1,500)
Aircrafts
No
Jewelry, watches, furs
Yes (up to $1,500)
Fashion accessories
No
Oriental rugs, tapestries
No
Computer hardware & software
No
Business property
Yes (up to $2,500)
Identity fraud
No
Electronic replacement
Full replacement value in case of accidents
*This is a general description of coverage for informational purposes only. Please check your actual policy for terms, conditions, exclusions, and limitations.
Accidents happen. And when they do, personal liability insurance for renters protects you financially. With ResidentShield, you’re protected for:
When your rental is damaged and you can’t live there, ResidentShield’s loss of use coverage helps you pay for extra living costs such as:
